Georgia Advantage+ / GSFC

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A Wide Range of Loans Can Be Consolidated
Subsidized Stafford Loans Unsubsidized Stafford Loans PLUS Loans Perkins Loans Federal SLS Loans GSFC Stafford Service Cancelable
Loans Other Federal Education Loans
Need More Information?
To learn more about the benefits of Georgia Advantage+ and GSFC's Federal Loan Consolidation Program, please visit our Website at www.gsfc.org or call 1-800-505-GSFC (4732).

2082 East Exchange Place, Suite 200 Tucker, Georgia 30084 1-800-505-GSFC (4732) www.gsfc.org
GA-08 (Rev. 06/04)

Get a colleg@ loan and keep more money in
your pocket with
Georgia Advantage
Plus.

Georgia Advantage+
... our best college loan benefits package in 40 years lets you keep more money in your pocket!
For nearly 40 years, the Georgia Student Finance Commission (GSFC) has helped students and parents by making higher education more affordable. In addition to administering scholarship and grant programs, including Georgia's HOPE Scholarshi GSFC has served as the State's

originationfee reduction. However, you can still qualify for the interest rate reduction benefits described below.
More savings: In addition to the low Georgia Advantage+ loan origination fee, GSFC will waive the 1% guarantee fee charged on Stafford and PLUS loans. You pay nothing to have your loan guaranteed!
Save Money LATER with Interest Rate Reductions
With Georgia Advantage+ you'll save even more when you begin repaying your Stafford or PLUS loan.

Immediate repayment savings: Lower your interest rate by 0.35% when you use the easy Georgia Advantage+ auto-payment option to make your payments. You'll save money every month , which can add up significantly over the life of your loan.
Long-term repayment savings: Lower your interest rate by 2% after 48 consecutive ontime payments. This reduction benefit applies to both the Stafford Loan and the PLU S Loan. When GSFC applies the interest rate reduction, your monthly payment is lowered (minimum monthly payment: $50).

See How Much You Can SAVE
See how the savings add up, depending on what your student loan needs are. And remember, Georgia Advantage+ is available only through the Georgia Student Finance Commission.

Sample Loan Terms
Loan Amount at 8.25% Interest Rate (Maximum Allowable Rate) * Total Repayment Period in Months

$4,500.00 120

PLUS Example 1 $6,000.00 120

$8,000.00 120

$10,000.00 120

Georgia Advantage+ Benefits
Com pared with No Borrower Benefits

Your Stafford Savings

Your PLUS Savings

Your Staffo rd Savings

Your PLUS Savings

Origination Fee Savings at Time of Loan Disbursement (Stafford Only)
Origination Fee Rebate when Repayment Begins (PLUS Only)
Auto-Payment Interest Savings over the Loan Repayment Period (120 months)
You r Savings with Origination Fee Reduction/Rebate and Auto-Payment Option
Your Additional Savings with 2% Interest Rate Reduction alter Making 48 On-Time Payments
Your Total Georgia Advantage+ Ben~fits Savings

$56.25
$100.05 $156.30 $194.03 $350.33

$75.00 $133.40 $208.40 $258.93 $467.33

$100.00
$177.87 $277.87 $345.24 $623.11

$125.00 $222.33 $347.33 $431.54 $778.88

See How Low Your Payments Can Be!
Your Monthly Payment after Auto-Payment Interest Rate Reduction of 0.35%
Your Monthly Payment after 48 On-Time Payments w ith 2% Interest Rate Reduction (Max. Rate of 6.25% for Remaining 72 Payments}

$54.36 $51.67

Your Monthly PLUS Payment
$72.48

Your Monthly Stafford Payment
$96.64

Your Monthly PLUS Payment
$120.80

$68.88

$91 .84

$11 4.81